I can't remember what goals I made for this year - and then had to abandon - but I've been thinking about next year's goals. They have to be realistic. Yes I want to get rid of my credit card debt but it's unrealistic for me to think that I can get rid of half of my CC debt in a year. Especially since I have used it more than I would have liked since we moved into our own place. I spoke to DH and he suggested that I just aim to get my minimum payments down, instead of focusing on the entire balance. Obviously I won't pay the new lower payment when I (hopefully) achieve the goal, I'll pay as much as I can. Actually I think I will find a notebook to keep track of extra money towards debt repayments in 2013. It would be nice to total it up at the end of the year.

This year I was on maternity leave for ten months, in fact I go back to work in two weeks. Next year I will not be on maternity leave so money should be better.

My car has to go next year. It's making a noise, I know it will fail its MOT in February since it hasn't passed yet. I don't have savings to pay for it, or enough on my CCs so it has to go. Me and DH can share a monthly bus pass until I get a new car. We should have at least £150 extra each month when it goes. I know it will be a pain getting public transport, but it makes the most sense to me. I think I will have to scrap it since there has been so much wrong with it, it's not right to try and sell it to someone.